{"data":{"id":"us-il/775-ilcs-5-4-101","jurisdiction":"us-il","citation":"775 ILCS 5/4-101","heading":"","body":"Definitions. The following definitions are applicable strictly in the context of this Article:\n(A) Credit Card. \"Credit card\" has the meaning set forth in Section 17-0.5 of the Criminal Code of 2012.\n(B) Financial Institution. \"Financial institution\" means any bank, credit union, insurance company, mortgage banking company or savings and loan association which operates or has a place of business in this State.\n(C) Loan. \"Loan\" includes, but is not limited to, the providing of funds, for consideration, which are sought for: (1) the purpose of purchasing, constructing, improving, repairing, or maintaining a housing accommodation as that term is defined in paragraph (C) of Section 3-101; or (2) any commercial or industrial purposes.\n(D) Varying Terms. \"Varying the terms of a loan\" includes, but is not limited to, the following practices:\n(1) Requiring a greater down payment than is usual for the particular type of a loan involved.\n(2) Requiring a shorter period of amortization than is usual for the particular type of loan involved.\n(3) Charging a higher interest rate than is usual for the particular type of loan involved.\n(4) An under appraisal of real estate or other item of property offered as security.","path":["CHAPTER 775 HUMAN RIGHTS","Illinois Human Rights Act."],"source_url":"https://www.ilga.gov/legislation/ILCS/details?ActID=2266\u0026ChapterID=64\u0026ChapAct=FullText\u0026Print=True","current_through":"at least Public Act 104-790","vintage":"","retrieved_at":"2026-09-15T04:46:46Z","sha256":"7490f50b73ab8b380e63bede56fbde9d9adc6c4b838eaf831bcf74cc7c67225a","source_id":"us-il","stale":false,"prev":"us-il/775-ilcs-5-3-106","next":"us-il/775-ilcs-5-4-102"},"notice":"GroundRules: Original legal text. Not legal advice."}